Encouraging safe driving using a remote vehicle starter and personalized insurance rates

ABSTRACT

A method of encouraging safe driving of a vehicle using a remote starter device installed at a vehicle is provided. The remote starter device may determine whether it is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device. When the remote starter device is in signal communication with the remote starter application, the remote starter device may permit ignition of the vehicle. When the remote starter device is not in signal communication with the remote starter application, the remote starter device may prevent ignition of the vehicle. The driver of the vehicle may be identified and a vehicle telematics device installed at the vehicle may provide vehicle telematics data to an insurance underwriting system. A personalized insurance rate for the driver may be determined based, at least in part, on the vehicle telematics data.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of U.S. patent application Ser. No.13/791,287, U.S. Pat. No. 9,454,786, entitled “Encouraging Safe DrivingUsing a Remote Vehicle Starter and Personalized Insurance Rates” andfiled on Mar. 8, 2013, which is incorporated by reference herein.

TECHNICAL FIELD

Aspects of the disclosure relate generally to encouraging safe drivingbehaviors and more particularly to approaches to encouraging safedriving behaviors through the use of a remote vehicle starter and aremote starter application configured to operate at a mobile computingdevice.

BACKGROUND

Insurance providers have an incentive to encourage their customers toengage in safe driving behaviors. By engaging in safe driving behaviors,customers are less likely to be involved in an accident. Unsafe drivingbehaviors may include exceeding the speed limit, taking hard and fastturns, making hard stops, and operating a mobile phone while driving.

Software applications for blocking text messages at a mobile computingdevice are known but have drawbacks. For example, some text blockingapplications may require a driver to voluntarily launch the applicationbefore driving. If the driver fails or chooses not to launch the textblocking application, the driver may have access to the text messagingfeatures of the mobile computing device while driving. Therefore, a needexists for an approach to restricting communications at a mobilecomputing device during operation of the vehicle.

Additionally, in conventional practice, insurance providers may provideinsurance coverage for a vehicle rather than for a driver of thevehicle. This may be due, in part, to challenges in determining theindividual presently driving the vehicle. If an insurance provider couldaccurately identify the driver of a vehicle, alternative approaches toproviding vehicle insurance based on the driver rather than the vehicleare possible.

SUMMARY

The following presents a simplified summary in order to provide a basicunderstanding of some aspects of the disclosure. The summary is not anextensive overview of the disclosure and is not intended to identify keyor critical elements or to delineate the scope of protection sought. Thefollowing summary merely presents some concepts of the disclosure in asimplified form as an introduction to the more detailed descriptionprovided below.

A method of encouraging safe driving of a vehicle using a remote starterdevice installed at a vehicle is provided. The remote starter device maydetermine whether it is in signal communication with a remote starterapplication operating at a mobile computing device separate from theremote starter device. When the remote starter device is in signalcommunication with the remote starter application, the remote starterdevice may permit ignition of the vehicle. When the remote starterdevice is not in signal communication with the remote starterapplication, the remote starter device may prevent ignition of thevehicle. The driver of the vehicle may be identified and a vehicletelematics device installed at the vehicle may provide vehicletelematics data to an insurance underwriting system. A personalizedinsurance rate for the driver may be determined based, at least in part,on the vehicle telematics data.

The remote starter device may provide an ignition confirmation messageupon ignition of the vehicle and a shutoff message upon shutoff of thevehicle. The insurance underwriting system may create an ignition recordin response to ignition at the vehicle and update the ignition record inresponse to shutoff of the vehicle. The ignition record may beassociated with the vehicle telematics data. Additionally, the ignitionrecord may be configured to indicate when and where the vehicle achievedignition as well as when and where the vehicle shut off.

A remote starter device configured to encourage safe driving of avehicle is also provided. The remote starter device may include anignition interface configured for connection to an ignition system ofthe vehicle. The remote starter device may also be configured toautomatically initiate vehicle ignition via the ignition interface. Theremote starter device may include a communication module configured toexchange communications with a remote starter application operating at amobile device. The remote starter device may further include aprocessing module connected to the ignition interface and thecommunication module.

A memory module of the remote starter device may include instructionsexecutable by a processor of the processing module. When executed, theinstructions may cause the remote starter device to determine whether aconnection has been established with the remote starter application,permit or prevent vehicle ignition based on whether the connection hasbeen established, and provide an ignition confirmation message uponignition of the vehicle. Receipt of the ignition confirmation messagemay trigger identification of the driver to the insurance underwritingsystem. The insurance underwriting system may determine a personalizedinsurance rate for a driver of the vehicle. The personalized insurancerate may be adjusted based on driving behaviors of the driver during atrip in the vehicle. In response to receipt of a shutoff confirmationmessage, a driving behavior summary may be presented to the driver aswell as an adjusted personalized insurance rate.

A non-transitory computer-readable medium having computer-executableinstructions stored thereon that carry out one or more of the stepsdescribed above is further provided.

The details of these and other embodiments of the disclosure are setforth in the accompanying drawings and description below. Other featuresand advantages of aspects of the disclosure will be apparent from thedescription and drawings.

DESCRIPTION OF THE DRAWINGS

Aspects of the disclosure may be implemented in certain parts, steps,and embodiments that will be described in detail in the followingdescription and illustrated in the accompanying drawings in which likereference numerals indicate similar elements. It will be appreciatedwith the benefit of this disclosure that the steps illustrated in theaccompanying figures may be performed in other than the recited orderand that one or more of the steps disclosed may be optional. It willalso be appreciated that one or more components illustrated in theaccompanying figures may be positioned in other than the disclosedarrangement and that one or more of the components illustrated may beoptional.

FIG. 1A is an example of an implementation of a suitable operatingenvironment in which various aspects of the disclosure may beimplemented.

FIG. 1B is a block diagram of a system that may be used according to oneor more example embodiments of the disclosure.

FIG. 2 is a block diagram of an example of an implementation of systemfor encouraging safe driving behavior using a remote starter deviceinstalled at a vehicle.

FIG. 3 is a flowchart of example method steps for encouraging safedriving behaviors using a remote starter device installed at a vehicle.

FIG. 4 is a flowchart of example method steps for restrictingcommunications at a mobile computing device using a remote starterdevice installed at a vehicle.

FIG. 5 is another flowchart of example method steps for restrictingcommunications at a mobile computing device using a remote starterdevice installed at a vehicle.

FIG. 6A is an example of an implementation of a display interface for aremote starter application configured to operate at a mobile computingdevice.

FIG. 6B is another example of an implementation of a display interfacefor a remote starter application configured to operate at a mobilecomputing device.

FIG. 7 is a flowchart of example method steps for identifying a driverof a vehicle and maintaining a driving history for the driver.

FIG. 8 is a flowchart of example method steps for providing personalizedinsurance rates.

FIG. 9 is a flowchart of example method steps for adjusting the initialpersonalized insurance rate.

FIG. 10A is an example of an implementation of a display interface ofthe remote starter application for requesting pay-as-you-driveinsurance.

FIG. 10B is an example of an implementation of a display interface ofthe remote starter application that includes a driving behavior summary.

FIG. 10C is another example of an implementation of a display interfaceof the remote starter application that includes a driving behaviorsummary.

FIG. 10D is a further example of an implementation of a displayinterface of the remote starter application that includes a drivingbehavior summary.

DETAILED DESCRIPTION

In accordance with aspects of the present disclosure, systems andmethods are disclosed that encourage good driving behavior through theuse of a remote vehicle starter device and a remote starter applicationconfigured to operate at a mobile computing device. As discussed infurther detail below, a remote starter device and a remote starterapplication may be employed to encourage safe driving behaviors byrestricting communications at the mobile computing device duringoperation of the vehicle. The remote starter device and remote starterapplication may additionally encourage safe driving behaviors byidentifying a driver of the vehicle so as to determine a personalizedinsurance rate for the driver based on a driving history associated withthe driver and observed driving behaviors during operation of thevehicle.

The remote starter application is configured to remotely initiatevehicle ignition by transmitting a signal to the remote starter devicevia the mobile computing device. The remote starter application is alsoconfigured to restrict communications received at or transmitted fromthe mobile computing device during operation of the vehicle. The remotestarter application may be further configured to identify the driver ofthe vehicle to an insurance underwriting system that determines apersonalized insurance rate for the driver. In order to ensureactivation of the remote starter application, the remote starter deviceis configured to prevent ignition of the vehicle when the remote starterapplication is not operative at the mobile computing device and permitignition of the vehicle when the remote starter application is operativeat the mobile computing device. The remote starter device thus ensuresactivation of the remote starter application and, as a result, ensuresrestriction of communications of the mobile computing device duringoperation of the vehicle.

Because the remote starter device ensures activation of the remotestarter application at the mobile computing device, an individualassociated with the mobile computing device may be identified as thedriver of the vehicle. The identity of the driver (or information thatcan be used to identify the driver) may be provided to an insuranceunderwriting system. The insurance underwriting system may thusdetermine a personalized insurance rate for the driver rather than theconventional approach of determining a general insurance rate for thevehicle. The insurance underwriting system may base the personalizedinsurance rate on a driving history associated with the driver as wellas on observed driving behaviors during an ongoing trip in the vehicle.Personalized insurance rates thus encourage drivers to engage in safedriving behavior in order to obtain better (e.g., relatively lessexpensive) insurance rates. By identifying the driver of the vehicle,the insurance underwriting system may also be able to providepersonalized insurance rates for insurance coverage during individualtrips in the vehicle. Insurance coverage provided in this fashion may bedescribed as “pay-as-you-drive” insurance coverage, in which a driverpurchases insurance coverage for a single trip. These and other aspectsof the disclosure will be discussed in further detail below.

Referring to FIG. 1A, an example of an implementation of a suitableoperating environment in which various aspects of the disclosure may beimplemented is shown. The operating environment is only one example of asuitable operating environment and is not intended to suggest anylimitation as to the scope of use or functionality of the disclosure.The operating environment may be comprised of one or more data sources161, 163 in communication with a computing device 101. The computingdevice 101 may use information communicated from the data sources 161,163 to generate values that may be stored in a database format. In oneembodiment, the computing device 101 may be a high-end server computerwith one or more processors 103 and one or more memories 115 for storingand maintaining the values generated. The memories 115 storing andmaintaining the values generated need not be physically located in thecomputing device 101. Rather, the memories (e.g., ROM 107, RAM 105,flash memory, hard drive memory, RAID memory, and the like) may belocated in a remote data store (e.g., memory storage area 227)physically located outside the computing device 101, but incommunication with the computing device 101.

A personal computing device 165 (e.g., a personal computer, tablet PC,handheld computing device, personal digital assistant, mobile device,etc.) may communicate with the computing device 101. Similarly, ageographic positioning device 167 (e.g., a global positioning system(GPS), geographic information system (GIS), satellite navigation system,mobile device, other location tracking device, and the like) maycommunicate with the computing device 101. The communication between thecomputing device 101 and the other devices 165, 167 may be through wiredor wireless communication networks or direct links. One or more networksmay be in the form of a local area network (LAN) that has one or more ofthe well-known LAN topologies and may use a variety of differentprotocols, such as Ethernet. One or more of the networks may be in theform of a wide area network (WAN), such as the Internet. The computingdevice 101 and other devices (e.g., devices 165, 167) may be connectedto one or more of the networks via twisted pair wires, coaxial cable,fiber optics, radio waves or other media. The term “network” as usedherein and depicted in the drawings should be broadly interpreted toinclude not only systems in which devices or data sources are coupledtogether via one or more communication paths, but also stand-alonedevices that may be coupled, from time to time, to such systems thathave storage capability.

In another embodiment in accordance with aspects of the disclosure, apersonal navigation device 167 may operate in a stand-alone manner bylocally storing some of the database of values stored in the memories115 of the computing device 101. For example, a personal navigationdevice 167 (e.g., a GPS in an automobile) may be comprised of aprocessor, memory, input devices 168, and output devices 169 (e.g.,keypad, display screen, speaker, and the like). The memory may becomprised of a non-volatile memory that stores a database of values.Therefore, the personal navigation device 167 need not communicate, inone example, with a computing device 101 located at a remote location.Rather, the personal navigation device 167 may behave in a stand-alonemanner and use its processor to perform particular steps disclosedherein. If desired, the personal navigation device 167 may be refreshedwith an updated database of values after a period of time.

In yet another embodiment in accordance with aspects of the disclosure,a personal computing device 165 may operate in a stand-alone manner bylocally storing some of the database of values stored in the memory ofthe computing device. For example, a personal computing device 165 maybe comprised of a processor, memory, input device (e.g., keypad, CD-ROMdrive, DVD drive, etc.), and output device (e.g., display screen,printer, speaker, etc.). The memory may be comprised of CD-ROM media.Therefore, the personal computing device 165 may use the input device toread the contents of the CD-ROM media. Rather, the personal computingdevice 165 may behave in a stand-alone manner and use its processor toperform particular steps disclosed herein. If desired, the personalcomputing device may be provided with an updated database of values(e.g., in the form of updated CD-ROM media) after a period of time.

The data sources 161, 163 may provide information to the computingdevice 101. In one embodiment in accordance with aspects of thedisclosure, a data source may be a computer which contains memorystoring data and is configured to provide information to the computingdevice 101. Some examples of providers of data sources in accordancewith aspects of the disclosure include, but are not limited to,insurance companies, third-party insurance data providers, governmententities, state highway patrol departments, local law enforcementagencies, state departments of transportation, federal transportationagencies, traffic information services, road hazard information sources,construction information sources, weather information services,geographic information services, vehicle manufacturers, vehicle safetyorganizations, and environmental information services. For privacyprotection reasons, in some embodiments of the disclosure, access to theinformation in the data sources 161, 163 may be restricted to onlyauthorized computing devices 101 and for only permissible purposes. Forexample, access to the data sources may be restricted to only thosepersons or entities that have signed an agreement (e.g., an electronicagreement) acknowledging their responsibilities with regard to the useand security to be accorded this information.

The computing device 101 may use the information from the data sources161, 163 to generate values that may be used to determine personalizedinsurance rates for drivers. Some examples of the information that thedata sources may provide to the computing device 101 include, but arenot limited to, accident information, geographic information, and othertypes of information useful to determine insurance rates.

FIG. 1B illustrates a block diagram of a computing device (or system)101 in the communication system 100 that may be used according to one ormore illustrative embodiments of the disclosure. The device 101 may havea processor 103 for controlling overall operation of the device 101 andits associated components, including RAM 105, ROM 107, input/output(I/O) module 109, and memory 115. The computing device 101, along withone or more additional devices (e.g., terminals 141, 151) may correspondto any of multiple systems or devices, such as an insurance underwritingsystem (FIG. 2), configured as described herein for determiningpersonalized insurance rates.

I/O module 109 may include a microphone, keypad, touch screen, and/orstylus through which a user of the computing device 101 may provideinput, and may also include one or more of a speaker for providing audiooutput and a video display device for providing textual, audiovisual orgraphical output. Software may be stored within memory 115 or storage toprovide instructions to processor 103 for enabling device 101 to performvarious functions. For example, memory 115 may store software used bythe device 101, such as an operating system 117, application programs119, and an associated internal database 121. Processor 103 and itsassociated components may allow the insurance underwriting system toexecute a series of computer-readable instructions to, e.g., identify adriver of a vehicle, receive driving information from the vehicle, anddetermine a personalized insurance rate.

The insurance underwriting system may operate in a networked environmentsupporting connections to one or more remote computers, such asterminals 141 and 151. The terminals 141 and 151 may be personalcomputers, servers (e.g., web servers, database servers), or mobilecommunication devices (e.g., vehicle telematics devices, on-boardvehicle computers, mobile phones, portable computing devices, and thelike), and may include some or all of the elements described above withrespect to the driving analysis system 101. The network connections mayinclude a local area network (LAN) 125 and a wide area network (WAN)129, and a wireless telecommunications network 133, but may also includeother networks. When used in a LAN networking environment, the insuranceunderwriting system may be connected to the LAN 125 through a networkinterface or adapter 123. When used in a WAN networking environment, thesystem 101 may include a modem 127 or other means for establishingcommunications over the WAN 129, such as network 131 (e.g., theInternet). When used in a wireless telecommunications network 133, thesystem 101 may include one or more transceivers, digital signalprocessors, and additional circuitry and software for communicating withwireless computing devices 141 (e.g., mobile phones, vehicle telematicsdevices) via one or more network devices 135 (e.g., base transceiverstations) in the wireless network 133.

It will be appreciated that the network connections shown areillustrative and other means of establishing a communications linkbetween the computers may be used. The existence of any of variousnetwork protocols such as TCP/IP, Ethernet, FTP, HTTP and the like, andof various wireless communication technologies such as GSM, CDMA, WiFi,and WiMAX, is presumed, and the various computing devices and drivinganalysis system components described herein may be configured tocommunicate using any of these network protocols or technologies.

Additionally, one or more application programs 119 used by the insuranceunderwriting system may include computer executable instructions (e.g.,driving analysis programs) for receiving and storing vehicle drivingdata, analyzing the driving data to assess driving behaviors,determining a personalized insurance rate for a driver, and performingother related functions as described herein.

System Overview

FIG. 2 is a block diagram of an example of an implementation of system200 for encouraging safe driving behavior. One or more of the componentsshown in FIG. 2 may be implemented in hardware, software, or acombination of hardware and software. Additionally, one or more of thecomponents of the system 200 may include a computing device or systemhaving some or all of the structural components described above forcomputing device 101.

As seen in FIG. 2, various components of a vehicle 202, mobile computingdevice 204, and insurance underwriting system 206 may be in signalcommunication with each other via a network 208. The vehicle 202 mayinclude a remote starter device 210 configured for connection to anignition system 212 and a vehicle telematics device 214 configured forconnection to one or more vehicle sensors 216. The mobile computingdevice 204 may include a remote starter application 218 and a GPS module220 connected to the remote starter application. The remote starterapplication 218, when operative at the mobile computing device 204, mayrestrict communications received at or transmitted from the mobilecomputing device during operation of the vehicle 202. The remote starterapplication 218 may also facilitate identification of the driver of thevehicle 202. The mobile computing device 204 may be configured toexchange communications with a communication device 222 (e.g., anothermobile telephone) via the network 208. The insurance underwriting system206 may include an insurance rate determination module 224, an ignitiondata store 226, and a vehicle telematics data store 228. The insuranceunderwriting system 206 may also be configured to exchangecommunications with a remote third-party system 230 via the network 208.An insurance provider may operate the insurance underwriting system 206and may provide (or otherwise make accessible) the remote starter device210 and remote starter application 218 to insurance customers.

The remote starter device 210 may be a device configured to initiateignition of the vehicle 202 without a standard ignition key. The remotestarter device 210, in this example, includes an ignition interface 232configured for connection to the ignition system 212 of the vehicle 202,a communication module 234 for receiving remote ignition requests, amemory module 236 for storing computer-executable instructions relatedto remote vehicle ignition, and a processing module 238 connected to theignition interface 232, communication module 234, and memory module 236.The ignition interface 232 may, for example, connect to an ignitionswitch, ignition wire, power wire, starter wire, brake wire, tachometerwire, and brake wire of the ignition system 212 in order initiatevehicle ignition. The processing module 238 may include one or moreprocessors that control operation of the ignition interface 232 andcommunication module 234 based on the instructions retrieved from thememory module 236. The remote starter device 210 may also include atiming device 240, e.g., a clock for providing date and timeinformation.

The communication module 234 is configured to receive ignition requests,e.g., an ignition request signal, from a remote device. For example, thecommunication module 234 may receive an ignition request from the remotestarter application 218 via the mobile computing device 204. Thecommunication module 234 may forward the ignition request to theprocessing module 238, and in response, the processing module 238 mayretrieve and execute the computer-executable instructions stored at thememory module 236 to initiate vehicle ignition. The communication module234 may also be configured to transmit communications from the remotestarter device 210, e.g., ignition confirmation messages indicating thatvehicle ignition was successfully achieved as well as ignition statusmessages indicating whether the vehicle 202 is presently running orpresently shut off. The remote starter device 210 may also be in signalcommunication with the vehicle telematics device 214 to assess thepresent status of the vehicle 202. The communication module 234 mayreceive and transmit communications via a wired or wireless signals overa WAN such as the Internet or directly via a personal area network (PAN)using various communication technologies (e.g., Bluetooth, USB, and thelike).

The remote starter device 210 is configured such that vehicle ignitionmay be achieved via the remote starter application 218. In this regard,the remote starter application 218 may be viewed as a replacement for astandard ignition key. If the remote starter device 210 is not in signalcommunication with the remote starter application 218, then the remotestarter device may determine the remote starter application is notoperating at the mobile computing device 204 and prevent ignition of thevehicle 202, e.g., by blocking or failing to provide one or more signalsto the ignition system 212. If the remote starter device 210 is insignal communication with the remote starter application 218, then theremote starter device may determine that the remote starter applicationis operating at the mobile computing device 204 and permit ignition ofthe vehicle 202, e.g., in response to a remote ignition request. In thisway the remote starter device 210 ensures that the driver launches theremote starter application 218 before operating the vehicle 202.

The remote starter device 210 may also be configured to establishcommunications with the remote starter application 218. The remotestarter device 210 may establish a communication channel with the remotestarter application 218 via conventional handshaking techniques. In someexample embodiments, the remote starter device 210 and remote starterapplication 218 may maintain the connection during operation of thevehicle 202 by exchanging periodic communications. In other exampleembodiments, the remote starter device 210 and remote starterapplication 218 may only communicate in response to events occurring atthe vehicle 202 or at the mobile computing device 204, e.g., in responseto receipt of an ignition request provided by the remote starterapplication 218 or in response to a shutdown of the vehicle.

The vehicle 202 may also include a vehicle telematics device 214 thatmonitors the status of the vehicle during operation of the vehicle. Thevehicle telematics device 214 may be in signal communication with theinsurance underwriting system 206 to provide driving information to theinsurance underwriting system. The vehicle telematics device 214 mayprovide the driving information in the form of vehicle telematics data.The vehicle telematics device 214 may be a type of on-board datarecording device (e.g., an on-board diagnostic device operatingaccording to the OBDII standard) that is configured to communicate withone or more vehicle sensors 216. The vehicle telematics device 214 mayalso include a communication module 234 (not shown) configured tocommunicate with the insurance underwriting system 206 via the network208.

The vehicle sensors 216 may be capable of detecting and recordingvarious conditions at the vehicle 202 and operational parameters of thevehicle. Vehicle sensors 216 may, for example, detect and store datacorresponding to the speed, distance driven, rate of acceleration ordeceleration (e.g., braking), and geographic location of the vehicle202. Vehicle sensors 216 may also, for example, detect and store datacorresponding to specific instances of sudden acceleration,deceleration, and swerving of the vehicle 202. Vehicle sensors 216 mayfurther detect and store data received from the internal systems of thevehicle 202 such as, for example, impact to the body of the vehicle, airbag deployment, headlight usage, brake light operation, door opening andclosing, door locking and unlocking, cruise control usage, hazard lightusage, windshield wiper usage, horn usage, turn signal usage, seat beltusage, radio usage within the vehicle, maintenance performed on thevehicle, and other data collected by the vehicle systems.

Additional vehicle sensors 216 may detect and store the external drivingconditions such as, for example, external temperature, rain (e.g., usinga rain sensor on a windshield), light levels, and sun position fordriver visibility. The vehicle sensors 216 may additionally detect andstore data relating to moving violations and the observance of trafficsignals and traffic signs near the vehicle 202. Furthermore, internalcameras in the vehicle sensors 216 may detect conditions such as thenumber of the passengers in the vehicle and potential sources of driverdistraction within the vehicle 202 (e.g., pets, phone usage, unsecuredobjects, and the like). Vehicle sensors 216 may also include externalcameras or proximity sensors that detect other nearby vehicles, trafficlevels, road conditions, traffic obstructions, animals, cyclists,pedestrians, and other conditions that may factor into a drivinganalysis. Vehicle sensors 216 may also detect and store data relating tothe maintenance of the vehicle 202, such as the engine status, oillevel, engine coolant temperature, odometer reading, the fuel level,engine revolutions per minute (RPMs), or tire pressure. It will berecognized that a variety of other vehicle sensors 216 may beadditionally or alternatively employed in accordance with variousaspects of this disclosure.

The vehicle telematics device 214 may be in signal communication withsystems located remotely relative to the vehicle telematics device(e.g., a remote third-party system 230) and capable of determiningadditional conditions inside or outside of the vehicle 202. In thisregard, a remote third-party system 230 may act as a vehicle sensor inaccordance with aspects of this disclosure. As an example, one of theremote-third party systems may be a weather information system. Avehicle sensor 216 may be communicatively coupled with the weatherinformation system to receive weather information that the vehiclesensor 216 may use to determine the weather conditions in which thevehicle 202 is being operated (e.g., rain, snow, sleet, hail,temperature, wind, road conditions, visibility, etc.) The vehicletelematics device 214 may also include, for example, a GPS module 220that provides the location (e.g., GPS coordinates) of the vehicle 202 tothe remote third-party computer system, and the weather informationsystem may retrieve weather information from a database or other datastore based on the geographic location of the vehicle. The weatherinformation system may thus use the geographic location information ofthe vehicle 202 to determine the weather conditions (e.g., snowcharacteristic, hail characteristic, etc.) where the vehicle ispresently located. In some examples, the remote third-party system 230may immediately transmit the information to the vehicle telematicsdevice 214. In other example implementations, the remote third-partysystem 230 may transmit the information only if the information haschanged within a predetermined time period following a previous request.It will be appreciates with the benefit of this disclosure that,although the preceding example discusses weather characteristics,various other types of characteristics may use a similar arrangement tomonitor driving conditions and driving behavior (e.g., locationcharacteristics, road rules characteristics, and the like).

The vehicle sensors 216 may store data within the vehicle 202 (e.g., atthe vehicle telematics device 214) or, additionally or alternatively,may transmit the data to one or more external computer systems, e.g., aninsurance underwriting system 206. As shown in FIG. 2, the vehiclesensors 216 may be configured to transmit data to one or more externalcomputer systems via a vehicle telematics device 214. In other examples,one or more of the vehicle sensors 216 may be configured to transmitdata directly without using a vehicle telematics device 214. The vehicletelematics device 214 may, for example, be configured to receive andtransmit data from some of the vehicle sensors 216, while other vehiclesensors may be configured to directly transmit data to one or moreexternal computer systems without using the vehicle telematics device214. Thus, the vehicle telematics device 214 may be optional in certainembodiments where one or more vehicle sensors 216 are configured toindependently capture, store, and transmit vehicle operation and drivingdata.

The vehicle telematics device 214 may be a computing device containingmany or all of the hardware or software components as the computingdevice 101 (FIG. 1A). As discussed above, the vehicle telematics device214 may receive vehicle operation and driving data from one or morevehicle sensors 216 and may transmit the data to one or more externalcomputer systems via the network 208. The vehicle telematics device 214may also be configured to detect or determine additional types of datarelating to real-time driving and the condition of the vehicle 202. Incertain embodiments, the vehicle telematics device 214 may contain ormay be integral with one or more of the vehicle sensors 216 discussedherein.

Additionally, the vehicle telematics device 214 may utilize the vehiclesensors 216 to collect data regarding the number of passengers and thetypes of passengers (e.g. adults, children, teenagers, pets, and thelike) in the vehicle 202. The telematics device may also be configuredto collect data regarding movement of the driver or the condition of thedriver. The vehicle telematics device 214 may, for example, include orcommunicate with vehicle sensors 216 that monitor driver movements, suchas the eye position, head position, and other positions of the driver.Additionally, the vehicle telematics device 214 may collect dataregarding the physical or mental state of the driver, such as fatigue orintoxication. The condition of the driver may be determined through themovements of the driver or through vehicle sensors 216, for example,sensors that detect the content of alcohol in the air or blood alcoholcontent of the driver, such as a breathalyzer with an ethanol vapor(EtOH) sensor.

The vehicle telematics device 214 may also utilize the vehicle sensors216 to collect information regarding route choice, whether the driverfollows a given route, and to classify the type of trip (e.g. commute,errand, new route, and the like). In certain embodiments, the vehicletelematics device 214 may be configured to communicate with the vehiclesensors 216 to determine when and how often the vehicle 202 stays in asingle lane or strays into other lanes. To determine the chosen route,lane position, and other data, the vehicle telematics device 214 mayinclude or may receive data from a mobile telephone, a GPS device,locational sensors positioned inside the vehicle 202, or locationalsensors or devices located remotely relative to the vehicle.

The vehicle telematics device 214 may also store the vehicle informationthat identifies the vehicle type, e.g., the make, model, trim (orsub-model), year, or engine specifications. The vehicle type may beprogrammed into the vehicle telematics device 214 by a user or customer,determined by accessing a remote computer system, such as an insurancecompany or financial institution system, or may be determined from thevehicle 202 itself, e.g., by accessing the computer systems of thevehicle.

The mobile computing device 204 may also be referred to as a mobiledevice and may include some or all of the components described above forcomputing device 101. The mobile computing device 204 may be configuredto transmit and receive wireless communications such that a user maywirelessly communicate with other communication devices directly or viaone or more networks. Mobile computing devices may include, for example,laptop computers, tablet computers, handheld/palmtop computers, handheldgame consoles, personal navigation devices, mobile telephones, and otherdevices configured for mobile wireless communication. A data store ofthe mobile computing device 204 may store a remote starter application218 configured to operate at the mobile computing device. The remotestarter application 218 may include computer-executable instructionsthat, when executed by a processor of the mobile device 204, cause theprocessor to perform one or more of the steps described in furtherdetail below. Such steps may include, for example, communicating with aremote starter device 210 installed at a vehicle 202 to remotelyinitiate vehicle ignition and activating restrictions on communicationfeatures at the mobile computing device 204 during operation of thevehicle.

As noted above, the remote starter application 218 may reside at a datastore of the mobile computing device 204 and include instructionsexecutable by a processor of the mobile computing device. The remotestarter application 218 may be configured to perform a variety of tasksat the mobile computing device 204. Such tasks may include, for example:remotely initiating vehicle ignition via a remote starter device 210installed at the vehicle 202; restricting communication features at themobile computing device 204 during operation of the vehicle;communicating with the remote starter device 210 during operation of thevehicle; communication with an insurance underwriting system 206 duringoperation of the vehicle; facilitating insurance coverage transactions;and providing driving behavior summaries based on observed drivingbehaviors during operation of the vehicle. These tasks will be discussedin further detail below.

The insurance underwriting system 206 may be a computing device separatefrom the vehicle 202, containing some or all of the hardware or softwarecomponents as the computing device 101 (FIG. 1B). The insuranceunderwriting system 206 may include an insurance rate determinationmodule 224 configured to determine insurance rates, e.g., personalizedinsurance rates for drivers. The insurance rate determination module 224may be configured to determine personalized insurance rates based, atleast in part, on a driving history associated with a driver (e.g., pastdriving behaviors) as well as driving behaviors observed during presentoperation of the vehicle 202 (e.g., current/real-time drivingbehaviors). Accordingly, the insurance underwriting system 206 may alsoinclude a vehicle telematics data store 228 that stores vehicletelematics data received from a vehicle telematics device 214 installedat the vehicle 202 as well as an ignition data store 226 that storesinformation corresponding to instances when a driver operates thevehicle.

The insurance underwriting system 206 may be implemented as a singlesystem (e.g., a single computer server) or may be separate systems (e.g.multiple computer servers). In some examples, the insurance underwritingsystem 206 may be a central server configured to receive vehicletelematics data from a plurality of remotely located mobile devices 204and vehicle telematics devices 214. Additionally, the insurance ratedetermination module 224 may be implemented in hardware, software, or acombination of hardware and software that is configured to perform a setof specific functions within the insurance underwriting system 206,e.g., receive and store vehicle telematics information, receive andstore remote ignition information, and determine personalized insurancerates for drivers. These functions may be executed by one or moresoftware applications running on generic or specialized hardware withinthe insurance underwriting system 206. The insurance rate determinationmodule 224 may utilize the vehicle telematics data received from thevehicle telematics device 214 as well as information from other systems(e.g., a remote third-party system 230) to perform driving analyses whendetermining a personalized insurance rate for the driver.

The vehicle telematics data store 228 may be, for example, a vehicletelematics database configured to store the vehicle telematics datareceived from the vehicle telematics device 214 installed at thevehicle. A vehicle telematics database may implement a vehicletelematics data model as a set of database tables and columns relatingto vehicle telematics information. The vehicle telematics data model maydefine various entities, attributes, and relationships corresponding tovehicle telematics data received from the vehicle 202. A databasemanagement system (DBMS) may manage the tasks of creating, modifying,and retrieving vehicle telematics records from the vehicle telematicsdatabase. The vehicle telematics database may also relate vehicletelematics data driver information associated with vehicle drivers.

The ignition data store 226 may be, for example, an ignition databaseconfigured to store information relating to ignition of the vehicle 202.As discussed further below, an ignition record database may implement anignition record data model as a set of database tables and columnsrelating to vehicle ignition using the remote starter application 218and remote starter device 210. The ignition record data model may definevarious entities, attributes, and relationships corresponding to vehicleignition information. A DBMS may also manage the tasks of creating,modifying, and retrieving ignition records from the ignition database.The ignition records in the ignition data store 226 may be respectivelyassociated with vehicle telematics records in the vehicle telematicsdata store 228. In this way, past and present driving behaviors may beassociated with instances of remote vehicle ignition, e.g., individualtrips in the vehicle 202.

The insurance rate determination module 224 may be configured todetermine or otherwise calculate an insurance rate, e.g., a personalizedinsurance rate for a driver of the vehicle 202. An insurance ratecalculated for the driver rather than for the vehicle 202 may bereferred to as a personalized insurance rate. The insurance ratedetermination module 224 may determine the personalized insurance ratebased, at least in part, on past or present vehicle telematics dataassociated with the driver. Past vehicle telematics data associated withthe driver may have been collected during previous trips taken by thedriver in one or more vehicles and therefore represent a driving historyfor the driver. Present vehicle telematics data associated with thedriver may be collected in real-time (or near real-time) as the driveroperates the vehicle 202.

It will be appreciated that underwriting insurance policies may be anactuarial endeavor for which many techniques and approaches arepresently known. The insurance rate determination module 224, in thisexample, may be configured to employ these known techniques andapproaches when determining personalized insurance rates.

The insurance rate determination module 224, in this example, mayanalyze the vehicle telematics data to determine the personalizedinsurance rate. Based on the vehicle telematics data (e.g., speed,acceleration/deceleration, turning, and so forth), the insurance ratedetermination module 224 may identify various “safe” or “unsafe” drivingbehaviors the driver has engaged in during present or past operation ofthe vehicle 202. Driving behaviors may correspond to various drivingcharacteristics the insurance underwriting system 206 may employ whendetermining a personalized insurance rate for a driver. Generally, acharacteristic may be anything that can be detected and measured in thetangible world, sometimes with the use of sensory circuitry (e.g.,sensors 212, 214). It will be appreciated that various characteristicsare contemplated herein and will become apparent to a person havingordinary skill in the art with the benefit of this disclosure.

Driving characteristics may include information relating to braking,acceleration, speed, steering, lane changes, lateral movement, distancetraveled, duration of travel, tailgating, and other characteristics.Information relating to braking, acceleration, steering, lateralmovement, and other characteristics may be measured in units of force(or magnitude of force). In some examples, braking and accelerationinformation may be conflated into a single characteristic in which anegative value indicates braking and a positive value indicatesacceleration. Information relating to speed and other characteristicsmay be measured in units of distance over time, such as miles per hour.Information relating to the distance traveled may be measured in unitsof distance, such as miles. Information relating to duration of travelmay be measured in units of time, such as minutes, e.g., a measurementof the total number of minutes a driver has operated the vehicle 202,from the moment the engine started until it is shutdown (e.g., theengine ignition is switched off). Information relating to lane changes,tailgating, and other characteristics may be measured as Boolean valuesand/or numerical values. For example, information relating to a lanechange may measure the riskiness of the lane change, taking into accountthe speed of the vehicle 202, the severity of the braking of thevehicle, and the severity of the steering of the vehicle. Informationrelating to tailgating may measure the proximity of the vehicle 202 toanother vehicle, taking into account the speed of the vehicle. In oneexample, a tailgate measurement may be a Boolean value, set to true if apredetermined threshold is exceeded with respect to a safe followingdistance while the vehicle 202 is moving above a particular speed.Generally, many of the driving characteristics corresponding to drivingbehavior may be detected and measured with the use of the vehicletelematics device 214 or comparable devices. For example, values fordriving characteristics may be retrieved via an on-board diagnostics(OBDII) interface (not shown) in the vehicle 202. In another examplevalues for driving characteristics may be retrieved with the use of anaccelerometer, gyroscope, proximity sensors, and/or digital compass in adevice installed in or on the vehicle 202. The insurance underwritingsystem 206 may thus identify various driving behaviors as safe orunsafe.

The insurance underwriting system 206 may employ other drivingcharacteristics when determining a personalized insurance rate for thedriver. In this regard, the personalized insurance rate for the drivermay be based on a combination of past or present driving behaviors aswell as other characteristics. Other characteristics may include, forexample, vehicle characteristics, driver characteristics, locationcharacteristics, time characteristics, weather characteristics, trafficcharacteristics, road rules characteristics, and other characteristics.Vehicle characteristics may include, for example, engine temperature,tire pressure, environmental features, and other characteristics. Enginetemperature may be measured in units of degree, such as Fahrenheit. Tirepressure may be measured in units of force per area, such as Pascal.Environmental features may be measured as a numerical value indicatingthe degree to which the operation is environmentally friendly (e.g.,driving within particular speed ranges may be more conducive to maximumgas mileage and earn a higher environmental rating). Vehiclecharacteristics may relate to the run-time, dynamic condition of thevehicle and may be detected and measured with the use of sensorycircuitry installed in the vehicle 202 or in a vehicle telematics device214, through an OBDII interface, or through an external server.

Driver characteristics may include, for example, fatigue, intoxication,seat belt usage, information relating to passengers in the vehicle 202,music or noise, and other characteristics. Fatigue may be measured withthe use of a sensor that measures the blink rate of the driver, and maybe provided as a numerical value. Intoxication may be measured using anEtOH sensor (or other device that measures ethanol vapor or bloodethanol levels) and may be provided as a numerical value. Seat beltusage may be measured as a Boolean, e.g., TRUE if the driver seat beltis engaged and FALSE if the driver seat belt is unbuckled. Informationrelating to passengers in the vehicle 202 may be a measure of the numberof passengers, and may be measured using infrared or laser technology(e.g., the Kinect™ system), or another technology. Music or noise may bea measure of the amount of sound in the vehicle 202, and may be measuredin decibels using a microphone, e.g., a microphone installed in asmartphone or the vehicle itself. Driver characteristics may be detectedand measured with the use of sensors located within the vehicle 202 andmay relate to the capacity of the driver to safely operate the vehicle.

Weather characteristics may include, for example, rain, snow, or hailinformation; visibility information (e.g., sunny, cloudy, foggy); windspeed, temperature, and other weather characteristics. The insuranceunderwriting module may query a third-party remote system via a network208 for information relating to such weather characteristics (e.g., aweather information server). Time characteristics may include, forexample, the time of day, the day of the week, the day of the month,daylight, nighttime, or other time characteristics. Time characteristicsmay be provided by, e.g., the remote starter application 218, the mobilecomputing device 204, the vehicle telematics device 214, the insurancerate determination module 224, the insurance underwriting system 206, orother sources. Traffic characteristics may include, for example, trafficcongestion, vehicle type, and other traffic characteristics. Road rulescharacteristics may include, for example, speed limit information,traffic signal information (e.g., stop signs, traffic lights), and otherroad rules characteristics. These characteristics may be measured ordetermined using sensors 214, or additionally or alternatively, usingsensors 212.

Location characteristics may include, for example, geographic location(e.g., GPS coordinates), road surface information (e.g., parking lot,alley, highway, off-road, surface street), zip code, region (e.g., city,suburb, rural), or other location characteristics. Other examples oflocation characteristics may include characteristics relating to areasunder construction, topography (e.g., flat, rolling hills, steep hills,curves), road type (e.g., residential, interstate, separated highway,city street, country road), road feature (e.g., intersection, gentlecurve, blind curve, bridge, tunnel), intersections, roundabouts,railroad crossings, passing zones, merge point, the number of lanes, thewidth of the road or lanes, population density within a predeterminedvicinity (e.g., within a radius, within a zip code), condition of theroad (e.g., new, worn, severely damaged with sink-holes, severelydamaged with erosion, gravel, dirt, paved), wildlife area, state,county, or municipality. The aforementioned characteristics may bemeasured/determined using sensor units 214, or alternatively, in somescenarios, using sensor units 212. The insurance underwriting system 206may, for example, query one or more third-party remote systems via thenetwork 208 to obtain information relating to these or other locationcharacteristics.

The insurance underwriting system 206 may be part of a backend system ofan insurance provider (e.g., a vehicle insurance provider). Theinsurance rate determination module 224 may analyze the collecteddriving information and other information to determine a personalizedinsurance rate for the driver. The insurance rate determination module224 may use machine learning or other techniques, such as artificialintelligence, statistical or predictive modeling, or other methods, toanalyze the data. In one example, the insurance rate determinationmodule 224 may limit the analysis to the past and present vehicletelematics data associated with the driver. In such an example, theinsurance rate determination module 224 may access the vehicletelematics database storing the collected vehicle telematics dataassociated with the driver. The insurance rate determination module 224may analyze some or all of the vehicle telematics data associated withthe driver to determine a predictive model that identifies an insurancerisk for the driver. In this regard, the insurance rate determinationmodule 224 identifies driving behaviors that contribute to a lower orhigher personalized insurance rate. As noted above, the insurance ratedetermination module 224 may analyze other types of characteristics toidentify an insurance risk for the driver and determine a correspondingpersonalized insurance rate.

It will further be appreciated that the insurance risk and personalizedinsurance rate for the driver may be further based on suchcharacteristics associated with other drivers, e.g., the historicaldriving behaviors of other drivers within the vicinity of the area inwhich the driver will operate the vehicle 202. For example, theinsurance rate determination module 224 may query a remote third-partysystem 230 via the network 208 (e.g., accident report databases, crimereport databases) when determining the risk profile of other driverswithin the vicinity of the driver. For example, statistical data mayindicate that certain locations are more dangerous or less dangerous atcertain times throughout the day. A hypothetical location may belocated, for example, on a steep cliff-side with no street lights, suchthat once the sun begins to set in the evening. Accordingly, thestatistical data may show that the riskiness of driving through thishypothetical location may increase until the sun has set. As a result,the insurance rate determination module 224 may include time of daycharacteristics location characteristics identifying the hypotheticallocation (e.g., via a zip code). If the vehicle telematics dataindicates that the driver typically travels or is travelling throughthis hypothetical location during these risky periods, then theinsurance rate determination module 224 may determine a relativelyhigher personalized rate for the driver.

For example, the insurance rate determination module 224 may query aremote third-party system 230 via the network 208 (e.g., accident reportdatabases, crime report databases) when determining the risk profile ofother drivers within the vicinity of the driver. For example,statistical data may indicate that certain locations are more dangerousor less dangerous at certain times throughout the day. A hypotheticallocation may be located, for example, on a steep cliff-side with nostreet lights, such that once the sun begins to set in the evening.Accordingly, the statistical data may show that the riskiness of drivingthrough this hypothetical location may increase until the sun has set.As a result, the insurance rate determination module 224 may includetime of day characteristics location characteristics identifying thehypothetical location (e.g., via a zip code). If the vehicle telematicsdata indicates that the driver typically travels or is travellingthrough this hypothetical location during these risky periods, then theinsurance rate determination module 224 may determine a relativelyhigher personalized rate for the driver. As another example, thehistorical vehicle telematics data for the driver may indicate that thedriver typically travels through heavily-congested metropolitan areas ina downtown area of a city. Accordingly, the insurance rate determinationmodule 224 may determine a relatively higher personalized insurance ratefor the driver based partly on the risk profile for this location.

The insurance rate determination module 224 may consider thesecharacteristics when determining the personalized insurance rate for thedriver. As an example, the insurance rate determination module 224 mayassign a risk profile to the driver based on these characteristics, anddetermine the personalized insurance rate based on the risk profileassociated with the driver. Approaches to determining an insurance ratemay be described in U.S. Pat. Nos. 7,937,278 and 8,280,752 to Cripe etal. as well as U.S. Pat. Nos. 8,065,169 and 8,249,968 to Oldham et al.each assigned to Allstate Insurance Company of Northbrook, Ill.

Process Overview

Referring now to FIG. 3, a flowchart 300 of example method steps forencouraging safe driving behaviors using a remote starter deviceinstalled at a vehicle is shown. As noted above, the remote starterdevice determines whether the remote starter application is operating atthe mobile device. In order to determine whether the remote starterapplication is operating at the mobile device, the remote starter devicemay determine whether a remote ignition request has been received fromthe remote starter application (block 302). The remote starterapplication may be configured to provide the remote ignition request inresponse to receipt of user input at the remote starter application(e.g., when a user selects a button to generate the remote ignitionrequest). The remote starter application may additionally oralternatively be configured to automatically transmit a remote ignitionrequest at periodic intervals. In this way, the remote starter devicemay automatically initiate vehicle ignition when the user comes withinthe vicinity of the vehicle with the mobile device.

If a remote ignition request has not been received at the remote starterdevice (block 304), then the remote starter device may prevent ignitionof the vehicle (block 306). As noted above, the remote starter devicemay prevent ignition of the vehicle by not providing or blocking signalsto the ignition system of the vehicle used to achieve vehicle ignition.If a remote ignition request has been received at the remote starterdevice (block 304), then the remote starter device may permit ignitionof the vehicle (block 308). As also noted above, the remote starterdevice may permit vehicle ignition by providing or not blocking thesignals to the ignition system used to achieve vehicle ignition.

Having received the remote ignition request from the remote starterapplication, the remote starter device may initiate vehicle ignition atthe vehicle via the ignition interface (block 310). Upon vehicleignition, the remote starter application may restrict communicationfeatures at the mobile device (block 312). The remote starterapplication may also be configured to restrict communications at themobile device as soon as the remote starter application is launched.Restricting communications upon vehicle ignition will be discussed infurther detail below.

The identity of the driver may also be provided to the insuranceunderwriting system, e.g., also upon ignition (block 314). Variousapproaches may be employed to identify the driver of the vehicle. In oneexample approach, the remote starter application may transmitinformation identifying the user of the mobile application to theinsurance underwriting system. The insurance underwriting system maythus determine that the user operating the mobile device is the driverof the vehicle. The remote starter application may require a password orpersonal identification number (PIN) from the user in order to generatethe remote ignition request. Having identified the driver of thevehicle, the insurance underwriting system may collect vehicletelematics data as discussed above (block 316) and determine apersonalized insurance rate for the driver (block 318). Determining apersonalized insurance rate for the driver will also be discussed infurther detail below.

In some example embodiments, the identity of the driver may be providedto the insurance underwriting system (block 314) before vehicle ignitionis initiated (block 310). In this example, the insurance underwritingsystem may verify that the individual is authorized to operate thevehicle. As a result, the insurance underwriting system may controlwhich individuals may remotely initiate vehicle ignition via the remotestarter application. For example, the remote starter application may beconfigured such that it does not transmit a remote ignition requestuntil it receives confirmation from the insurance underwriting system.The remote underwriting system may be configured to determine whether anindividual is authorized to operate the vehicle based, for example, onan authorized driver list maintained at the insurance underwritingsystem and associated with the vehicle. Accordingly, the insuranceunderwriting system may be configured to send a confirmation to theremote starter application when the individual is included in theauthorized driver list and to not send a confirmation to the remotestarter application when the individual is not included in theauthorized driver list. The insurance underwriting system mayadditionally or alternatively be configured to determine whether theindividual is authorized to drive in general, for example, whether theindividual has a valid license to drive (e.g., when the individual isunderage or when the individual has a suspend or revoked license todrive). Accordingly, the insurance underwriting system may be configuredto access one or more remote third-party systems (e.g., a systemmaintained by a Department of Motor Vehicles) in order to determinewhether the individual is authorized to operate the vehicle.

Restricting Communications

Referring now to FIG. 4, a flowchart 400 of example method steps forrestricting communications at a mobile device using a remote starterdevice is shown. A user may launch the remote starter application at themobile device (block 402). The remote starter application may receiveuser input requesting remote ignition of the vehicle (block 404), e.g.,via selection of a button at a user interface display. In response toreceipt of the user input requesting remote ignition of the vehicle, theremote starter application may generate a remote ignition request andtransmit the remote ignition request to the remote starter device viathe mobile device (block 406). The communication module of the remotestarter device may receive the remote ignition request and forward theremote ignition request to the processing module of the remote starterdevice for processing (block 408). Having received the remote ignitionrequest, the remote starter device may determine that the remote starterapplication is operative at the mobile device and permit ignition of thevehicle (block 410). The ignition interface of the remote starter devicemay then initiate vehicle ignition by providing the necessary signals tothe ignition system of the vehicle (block 412). In some exampleembodiments, the remote starter device may provide an ignitionconfirmation message back to the remote starter application uponsuccessful vehicle ignition (block 414). In these example embodiments,the remote starter application may restrict communication features atthe mobile device upon receipt of the ignition confirmation message fromthe remote starter device (block 416). In other example embodiments, theremote starter application may restrict communication features at themobile device upon receipt of the user input requesting remote vehicleignition (block 404) or when the remote starter application is launched(block 402).

Communication features may include, for example, text messaging,multimedia messaging, phone calling, video chatting, Internet access,email access, short-range wireless communication (e.g., infrared,Bluetooth), and the like. Restricting communication features may includepreventing the mobile communication device from transmitting some or allcommunications via one or more of the communication features.Restricting communication features may also include preventing themobile communication device from indicating that a communication hasbeen received at the mobile device via one or more of the communicationfeatures. As an example, the remote starter application may prevent adriver from accessing a text messaging feature and a phone callingfeature at the mobile device upon vehicle ignition. The remote starterapplication may prevent the user from accessing communication featuresby, for example, locking a display screen or, additionally oralternatively, ignoring user input associated with attempts to accessthe communication features. As another example, the remote starterapplication may prevent the mobile device from indicating that a textmessage or phone call has been received at the mobile device. The remotestarter application may prevent the mobile device from indicating a textmessage or phone call was received by suppressing any visualnotifications, audible notifications, haptic notifications (e.g.,vibrations), or other types of notifications the mobile device mayemploy to indicate receipt of a new communication. Restrictingcommunication features may also include preventing some types ofcommunication features while permitting other types of communicationfeatures, e.g., preventing text messaging but permitting short-rangemessaging over Bluetooth. Restricting communication features may alsoinclude preventing some communications while permitting othercommunications, e.g., permitting communications to or from a contactthat is designated as an emergency contact but preventing communicationsto or from contacts that are not designated as an emergency contact.

The remote starter application may maintain the restriction oncommunication features at the mobile device during operation of thevehicle (block 418). In some example embodiments, the remote starterapplication may maintain the restriction on the communication featuresat the mobile device until a shutoff confirmation message is receivedfrom the remote starter device. If a shutoff confirmation message isreceived at the remote starter application from the remote starterdevice (block 420), then the remote starter application may remove therestriction on the communication features at the mobile device (block422). In some example embodiments, the remote starter application may beconfigured to query the remote starter device for the status of thevehicle. In this way, the remote starter application includes a way toremove the restriction on the communication features in case a shutoffconfirmation message is not received at the remote starter application.Accordingly, if the remote starter application does not receive ashutoff confirmation message from the remote starter device (block 420),the remote starter application may transmit an ignition inquiry messageto the remote starter device (block 424) in order to determine whetherthe vehicle is still running. The remote starter application may beconfigured to transmit the ignition inquiry message to the remotestarter device in response to receipt of user input from the user or,additionally or alternatively, at periodic intervals. In response toreceipt of the ignition inquiry message, the remote starter device maydetermine the current status of the vehicle, e.g., whether the vehicleis running. The remote starter device may determine whether the vehicleis running via the ignition interface connected to the ignition systemof the vehicle or, additionally or alternatively, via the vehicletelematics device. The remote starter device may then provide anignition status message to the remote starter application indicatingwhether the vehicle is still running or has been shut off (block 426).If the ignition status message indicates the vehicle is still running(block 428), then the remote starter application may maintain therestriction on the communication features at the mobile device (block418). If the ignition status message indicates that the vehicle is notrunning (block 428), e.g., that the vehicle has been shut off, then theremote starter application may remove the restriction on thecommunication features at the mobile communication device (block 420).As used in this description, the remote starter device is referred to asproviding confirmation and status messages and the remote starterapplication is referred to as providing notification messages simply forthe purpose of clarity. Confirmation messages, status messages, andnotification messages may, in general, refer to messages that indicatewhether the vehicle achieved ignition, is presently running, or shutoff. Accordingly, the terms confirmation message, status message, andnotification message may be used interchangeably.

As noted above, restricting communication features at the mobile devicemay include permitting some communications at the mobile device (e.g.,communications to and from emergency contacts) while preventing othercommunications. In FIG. 5, another flowchart 500 of example method stepsfor restricting communications at a mobile device using a remote starterdevice is shown. Upon receipt of an ignition confirmation message at theremote starter application from the remote starter device (block 502),the remote starter application may restrict communication features atthe mobile device (block 504) as noted above.

If the user attempts to initiate a communication with a contact whilethe restriction is in place (block 506), the remote starter applicationmay determine whether the user is attempting to communicate with acontact designated as an emergency contact (block 508). If the user isattempting to contact an emergency contact (block 510), then the remotestarter application may permit the user to access one or morecommunication features to initiate a communication with the emergencycontact (block 512). If the user is attempting to initiate acommunication with a contact that is not designated as an emergencycontact (block 510), then the remote starter application may prevent theuser from accessing communication features at the mobile device (block514).

If a communication is received at the mobile device while therestriction is in place (block 516), then the remote starter applicationmay determine whether the communication was received from a contactdesignated as an emergency contact (block 518). If the remote starterapplication determines the mobile device received the communication froman emergency contact (block 520), then the remote starter applicationmay permit the mobile device to provide notification (e.g., visual,audible, haptic notification, or a combination of such) that thecommunication was received (block 522). If the remote starterapplication determines the mobile device received the communication froma contact that is not designated as an emergency contact (block 520),then the remote starter application may prevent the mobile device fromproviding notification that the mobile device received the communication(block 524). When the remote starter application prevents notificationof a communication received at the mobile computing device, the remotestarter application may log the communication in a list of blockedcommunications (block 526). Once the remote starter application removesthe restriction on the communication features, the remote starterapplication may present a list of communications received at the mobiledevice while the restriction was in place (block 528).

As also noted above, the remote starter device prevents ignition of thevehicle unless a remote starter application is operating at a mobiledevice. As a result, an insurance underwriting system may identify thedriver of the vehicle based on the mobile device at which the remotestarter application is operative. Being able to identify the driver ofthe vehicle introduces the possibility of providing vehicle insuranceassociated with the driver of the vehicle rather than the vehicleitself. The insurance underwriting system may maintain a driving historyfor the driver and determine a personalized insurance rate for thedriver based on the driving behaviors and habits of the driver. Theinsurance underwriting system may determine a risk profile for thedriver and an appropriate personalized insurance rate for the riskprofile.

Additionally, drivers may be able to affect their personalized insurancerate by engaging in safe or unsafe driving habits. As an example, wherea driving history shows that a driver tends to engage in relativelyunsafe driving habits, the insurance rate determination module of aninsurance underwriting system may assess the driver to be a relativelyhigh insurance risk and determine a relatively high personalizedinsurance rate for the driver. In contrast, where the driving historyfor the driver shows that the driver tends to engage in relatively safedriving habits, the insurance rate determination module of the insuranceunderwriting system may assess the driver to be a relatively lowinsurance risk and determine a relatively low personalized insurancerate for the driver. As a result, the driver is encouraged to engage insafe driving habits where driving behaviors affect the personalizedinsurance rate for the driver. The insurance underwriting system may beconfigured to determine a personalized insurance rate for the driverupon request (e.g., from the driver, from the insurance provider, orboth) as well as at periodic intervals (e.g., once a year during apolicy renewal period or more frequently such as once a month).Additionally, the personalized insurance rate may correspond toinsurance coverage for a traditional policy term (e.g., one year) or fora single trip in the vehicle (e.g., a PAYD personalized insurance rate).Personalized insurance rates will be discussed in further detail below.

In FIGS. 6A-B, example implementations of respective display interfaces600 a and 600 b of the remote starter application 602 are shown. In FIG.6A, an example of an implementation of a display interface 600 a for aremote starter application 602 is shown. The display interface in FIG.6A may include a button 604 to remotely initiate vehicle ignition. Thedisplay interface 600 a may also include password element 606 at which auser may provide a password to have access to the remote ignitionfeature. As seen in FIG. 6A, the remote starter application 602 mayprovide vehicle information 608, e.g., vehicle make, model, year, andthe name of the vehicle owner 610. The remote starter application 602may also identify the driver 612 of the vehicle as the user of themobile device on which the remote starter application is operating. Itwill be appreciated that the driver of the vehicle may or may not be thevehicle owner. As discussed above, selecting the button to remotelyinitiate vehicle ignition may activate restrictions on communicationfeatures at the mobile device.

In FIG. 6B, another example of an implementation of a display interface600 b for a remote starter application 602 is shown. The interface 600 bin FIG. 6B may be presented to the driver, once the driver has remotelyinitiated vehicle ignition using the remote starter application 602. Asseen in FIG. 6B, the remote starter application restricts communicationfeatures (e.g., text message, phone calls) at the mobile computingdevice. The interface may include a button 614 for submitting anignition status inquiry to the remote starter device installed at thevehicle. In this way, the remote starter application 602 may determinewhether the vehicle is still running or has been shut off in the eventthat the remote starter application fails to receive a shutoffconfirmation message from the remote starter device. The displayinterface 600 b, in this example, also includes ignition statusinformation 616 indicating, for example, whether the vehicle is runningand the last time the vehicle status information was updated. Thedisplay interface 600 b, in this example, also includes a button 618 toinitiate a communication (e.g., text message, phone call) with a contactdesignated as an emergency contact. It will be appreciated with thebenefit of this disclosure that the remote starter application mayprovide additional or alternative display interfaces relating torestricting communications at the mobile device that include additionalor alternative information as well as additional or alternativeinterface elements.

Personalized Insurance Rates

Referring to FIG. 7, a flowchart 700 of example method steps foridentifying a driver of a vehicle and maintaining a driving history forthe driver is shown. As mentioned above, a user may launch the remotestarter application at the mobile device (block 702), and provide userinput requesting remote ignition of the vehicle via the remote starterdevice (block 704). The remote starter application may provide theremote ignition request via the mobile device (block 706) and the remotestarter device installed at the vehicle may receive the ignition request(block 708). Upon receipt of the remote ignition request from the remotestarter application, the remote starter device may determine that theremote starter application is operative at the mobile device (block710), and initiate vehicle ignition (block 712). The remote starterdevice may provide an ignition confirmation message to the remotestarter application upon ignition of the vehicle (block 714). A timingdevice (e.g., a clock) at the remote starter may provide date and timeinformation that the remote starter device may include in the ignitionconfirmation message.

In response to receipt of the ignition confirmation message, the remotestarter application may transmit an ignition notification message to theinsurance underwriting system (block 716). The remote starterapplication may include in the ignition notification message the dateand time information from the ignition confirmation message.Alternatively, a timing device at the mobile device may provide date andtime information that the remote starter application may include in theignition notification message. The ignition notification message mayalso include geographic location information (e.g., GPS coordinates)indicating a geographic location where the vehicle achieved ignition.The geographic location information may be provided by a GPS moduleinstalled at the mobile device as shown by way of example in FIG. 2. Inother example embodiments, the remote starter device may include a GPSmodule, and the remote starter device may include geographic locationinformation from its GPS module in the ignition confirmation message. Infurther example embodiments, the vehicle telematics device may include aGPS module, and the remote starter device may query the vehicletelematics device for geographic location information to include in theignition confirmation message.

The remote starter application may also provide driver information andvehicle information to the insurance underwriting system (block 718).The driver information may directly identify the driver (e.g., by firstand last name), or may indirectly identify the driver by a uniqueidentifier that can be used to determine the identity of the driver(e.g., a customer number or mobile phone number). The insuranceunderwriting system may be configured to determine the identity of theuser based on the unique identifier by, for example, querying a customerdatabase using the customer number or querying a remote third-partysystem using the mobile phone number. The vehicle information mayinclude, for example, the make, model, year, vehicle identificationnumber (VIN), and the like. In some example embodiments, the remotestarter application may include the driver information, the vehicleinformation, or a combination of such in the ignition notificationmessage sent to the insurance underwriting system. In other exampleembodiments, the remote starter application may provide the driverinformation or vehicle information in separate messages to the insuranceunderwriting system.

The driver information and vehicle information may be stored at arespective memory of the mobile device, the remote starter device, orthe vehicle telematics device. Accordingly, the remote starter devicemay, in some example embodiments, include the driver information orvehicle information in the ignition confirmation message provided to theremote starter application. Furthermore, it will be recognized that, insome example embodiments, the remote starter device or the vehicletelematics device may be configured to provide the ignition confirmationmessage, the driver information, and the vehicle information directly tothe insurance underwriting system rather than providing the ignitionconfirmation message to the remote starter application that, in turn,provides an ignition notification message to the insurance underwritingsystem. In general, it will be appreciated with the benefit of thisdisclosure that various approaches may be employed with respect tonotifying the insurance underwriting system that the vehicle hasachieved ignition and providing ignition information, driverinformation, and vehicle information to the insurance underwritingsystem.

In response to receipt of an ignition notification message from theremote starter application (or an ignition confirmation message from theremote vehicle starter or vehicle telematics device), the insuranceunderwriting system may create a new ignition record in the ignitionrecord database (block 720). The insurance underwriting system mayassociate the ignition record with the individual determined to be thedriver of the vehicle (block 722). The insurance underwriting system mayassociate the driver and the newly created ignition record by, forexample, establishing a relationship (or otherwise associating) thenewly created ignition record with a customer record in a customerdatabase. Likewise, the insurance underwriting system may associate theignition record with the vehicle by, for example, establishing arelationship between (or otherwise associating) the ignition record anda vehicle record in a vehicle database. The insurance underwritingsystem may configure the ignition record to include (or otherwise beassociated with) the driver information and vehicle information. Theinsurance underwriting system may also configure the ignition record toinclude (or otherwise be associated with) ignition timestamp informationindicating the date and time at which the vehicle achieved ignition aswell as ignition location information indicating a geographic locationat which the vehicle achieved ignition.

As discussed above, the insurance underwriting system may also receivevehicle telematics data from the vehicle telematics device duringoperation of the vehicle (block 724). The insurance underwriting systemmay store the vehicle telematics data in one or more records of avehicle telematics database (block 726) and associate the vehicletelematics records with the ignition record created upon vehicleignition (block 728). In this way the insurance underwriting system maybe able to analyze driving behaviors of the driver for a particular tripin the vehicle. Subsequent ignition records for subsequent trips may beassociated with subsequent vehicle telematics records created forvehicle telematics data collected during those subsequent trips.

Based on the vehicle telematics data collected from the vehicle, theinsurance rate determination module at the insurance underwriting systemmay determine a personalized insurance rate for the driver (block 730).The personalized insurance rate may be based, at least in part, onvehicle telematics data obtained for a presently ongoing trip in thevehicle, on vehicle telematics data obtained for previous trips by thedriver, or on a combination of presently obtained and previouslyobtained vehicle telematics data associated with the driver.

The insurance underwriting system may collect and store vehicletelematics data provided by the vehicle telematics device until thevehicle is shut off. When the driver shuts off the vehicle, the remotestarter device may provide a shut off confirmation message to the remotestarter application at the mobile device (block 732). In response toreceipt of the shutoff confirmation message from the remote starterdevice, the remote starter application may provide a shutoffnotification message to the insurance underwriting system (block 734).Similar to the ignition notification message, the shutoff notificationmessage may indicate the date and time at which the vehicle shut off aswell as location information (e.g., GPS coordinates) that indicates ageographic location where the vehicle shut off. A timing device (e.g., aclock) at the mobile device, remote starter device, or vehicletelematics device may provide the shutoff timing information. Likewise,a GPS module at the mobile device, remote starter device, or vehicletelematics device may provide the shutoff location information. It willalso likewise be appreciated that the insurance underwriting system mayreceive a shutoff notification message from the remote starter device orthe vehicle telematics device directly. In response to receipt of theshutoff notification message, the insurance underwriting system mayupdate the ignition record to indicate that the vehicle shut off (block736). The insurance underwriting system may configure the ignitionrecord to include (or otherwise be associated with) the shutofftimestamp information indicating the date and time at which the vehicleshut off as well as the location information indicating the geographiclocation at which the vehicle shut off.

It will be appreciated that, by collecting ignition records andassociated vehicle telematics records, the insurance underwriting systemmay build a personal driving history for the driver on which thepersonalized insurance rate for the driver may be, at least in part,determined. The insurance underwriting system described in thisdisclosure thus introduces alternative approaches to providing insurancecoverage for operating a vehicle. One such approach includes providinginsurance coverage for individual trips taken by the driver. Theapproach to providing insurance coverage for individual trips may bereferred to as pay-as-you-drive (PAYD) insurance. For PAYD insurance, adriver may pay a one-time insurance premium for insurance coverageduring a single trip in the vehicle. Accordingly, in some situations,the driver may pay the one-time insurance premium each time the driverdesires to take a trip in a vehicle. As discussed further below, aninsurance rate for the driver may be based, at least in part, on adriving history of the driver and observed driving behaviors during thetrip.

Referring to FIG. 8, a flowchart 800 of example method steps forproviding personalized insurance rates is shown. The insuranceunderwriting system may first identify the driver of the vehicle (block802), e.g., in accordance with the approach set forth above where theuser of the mobile device that remotely initiates vehicle ignition isidentified as the driver of the vehicle. The driver may submit a requestfor PAYD insurance coverage via the remote starter application operatingat the mobile device (block 804). Upon receipt of the request for PAYDinsurance coverage, the insurance underwriting system may retrieve thedriving history for the driver, e.g., the ignition records and vehicletelematics records associated with the driver (block 806). The insuranceunderwriting system may analyze the ignition records and the vehicletelematics records (block 808) in order to determine a risk profile andcorresponding personalized insurance rate for the driver (block 810). Asnoted above, the insurance underwriting system may employ conventionalapproaches to determining a risk profile and corresponding insurancerate for the driver based on the driving history and driving behaviorsof the driver.

In some example implementations, the remote starter application mayinclude input elements (not shown) for specifying a starting and endinglocation for the trip. The request for insurance coverage may includethe starting and ending points. The insurance rate determination moduleof the insurance underwriting system may thus factor the starting andending points into the determination of the personalized insurance ratefor the driver. For example, if statistical data indicates that thedriver will be traveling an area of relatively high risk or relativelylow risk, the insurance rate determination module may determine arelatively high or relatively low personalized insurance rate for thedriver respectively. In some example embodiments, the insurance ratedetermination module may be configured to determine one or more routesfrom the starting point to the ending point specified in the request.The insurance rate determination module may then determine which routeis least risky, recommend the least risky route to the driver with acorresponding personalized insurance rate. The insurance underwritingsystem may then monitor the progress of the vehicle as it travels fromthe starting point to the ending point along the route and determinewhether the driver maintains or deviates from the route. If the driverdeviates from the route, then the insurance underwriting system mayadjust the personalized insurance rate for the driver or assess apenalty against the driver. In other example embodiments, the insurancerate determination module may identify multiple routes from the startingpoint to the ending point and determine a respective personalizedinsurance rate for each possible route. The insurance underwritingsystem may provide the list of possible routes and respective insurancerates to the remote starter application for display to the user. Theuser may then select one of the routes and receive insurance coverage atthe personalized insurance rate associated with the selected route.

The insurance underwriting system may provide an initial personalizedinsurance rate to the driver (block 812). The insurance underwritingsystem may provide the initial personalized insurance rate to the remotestarter application operating at the mobile device, and the remotestarter application may display the initial personalized insurance rateto the driver. The remote starter application may prompt the driver toeither accept or reject the initial personalized insurance rate offered(block 814). If the driver does not accept the initial personalizedinsurance rate offered (block 816), then an insurance provider may notprovide insurance coverage for the driver during the trip (block 818).Additionally or alternatively, the insurance underwriting system maydetermine and offer a second personalized insurance rate if the driverrejects the first personalized insurance rate offered. If the driverdoes accept the initial personalized insurance rate offered (block 816),then the remote starter application may provide an acceptance message tothe insurance underwriting system that creates an insurance record forthe driver indicating that an insurance provider will provide insurancecoverage for the driver during the trip (block 820).

The driver may then proceed to remotely start the vehicle using theremote starter application (block 822) and begin the trip. As discussedabove, the insurance underwriting system may receive an ignitionconfirmation message (block 824) and create an ignition record for thevehicle (block 826). The insurance underwriting system may associate theinsurance record with the ignition record (block 828). During the trip,the insurance underwriting system may collect vehicle telematics dataand associate the vehicle telematics records with the insurance recordfor the driver (block 830). In this way, the insurance underwritingsystem may monitor and analyze the driving behaviors of the driverduring the trip (block 832).

The insurance underwriting system may encourage safe driving during thetrip by adjusting the initial personalized insurance rate based on thedriving behaviors observed during the trip. If the insuranceunderwriting system observes relatively safe driving behaviors duringthe trip (block 834), then the insurance underwriting system maymaintain the initial personalized insurance rate or reduce the initialpersonalized insurance rate for the driver (block 836). If the insuranceunderwriting system observes relatively unsafe driving behaviors duringthe trip (block 838), then the insurance underwriting system mayincrease the initial personalized insurance rate for the driver (block838).

The insurance underwriting system may assess whether a driving behavioris a safe or unsafe driving behavior based on the vehicle telematicsdata collected and the various characteristics discussed above. Theinsurance underwriting system may, for example, define exceeding thespeed limit more than an average of five miles per hour during the tripas an unsafe driving behavior and define maintaining the speed limitduring the trip as a safe driving behavior. As another example, theinsurance underwriting system may define turning the vehicle at or abovea predetermined speed as an unsafe driving behavior and define turningthe vehicle at or below a predetermined speed as a safe drivingbehavior. A further example may define gradual stops (e.g., stopping thevehicle at or below a predetermined deceleration rate) as a safe drivingbehavior and define hard stops (e.g., stopping the vehicle at or above apredetermine deceleration rate) as an unsafe driving behavior. Suchdriving behaviors may be defined bases on the various characteristicsset forth above and indicated by the vehicle telematics data provided bythe vehicle telematics device. It will be appreciated with the benefitof this disclosure that the insurance underwriting system may definemany more safe and unsafe driving behaviors that can affect thepersonalized insurance rate for the driver.

The insurance premium paid by the driver may thus be based on anadjusted insurance rate. The insurance underwriting system may generatea summary of driving behaviors during the trip that contributed to thedetermination of whether to adjust the initial personalized insurancerate and provide the driving behavior summary to the remote starterapplication for display to the driver (block 840). The driving behaviorsummary may identify specific driving behaviors that resulted in arelatively higher or lower adjusted personalized insurance rate. theinsurance underwriting system may associate driving behaviors withrespective amounts by which the initial personalized insurance rate maybe adjusted, e.g., by adding the amount to or subtracting the amountfrom the initial personalized insurance rate. The driver may thus paythe insurance provider an insurance premium corresponding to the finalpersonalized insurance rate that may be the same as the initialpersonalized insurance rate or may be an adjusted personalized insurancerate (block 842). It will be appreciated that alternative approaches toadjusting the personalized insurance rate may be employed. As oneexample, the driver may pay an insurance premium corresponding to theinitial personalized insurance rate before the trip begins, and theinsurance provider may provide a refund to the driver or assesspenalties against the driver at the conclusion of the trip based on thedriving behaviors observed during the trip.

Referring to FIG. 9, a flowchart 900 of example method steps foradjusting the initial personalized insurance rate at the conclusion of atrip is shown. The insurance underwriting system may receive a shutoffnotification message (block 902), which may indicate that the trip hasconcluded. The insurance underwriting system may then determine whetheror not or adjust the initial personalized insurance rate for the driver(block 904). The insurance underwriting system may determine not toadjust the initial personalized insurance rate (block 906) where, forexample, the insurance underwriting system observes both safe drivingbehaviors and unsafe driving behaviors during the trip such that theunsafe driving behaviors cancel out the safe driving behaviors. Forexample, the insurance underwriting system may assign positive ratingsto safe driving behaviors and negative ratings to unsafe drivingbehaviors. The insurance underwriting system may then determine anoverall driving behavior rating that corresponds to the sum total of theratings for the safe and unsafe driving behaviors observed during thetrip. Accordingly, the positive ratings for the safe driving behaviorswill tend to raise the overall driving behavior rating while thenegative ratings will tend to lower the overall driving behavior rating.The insurance underwriting system may maintain a reward threshold suchthat the insurance underwriting decreases the initial personalizedinsurance rate where the overall driving behavior rating is greater thanor equal to the reward threshold. The insurance underwriting system mayalso maintain a penalty threshold such that the insurance underwritingsystem increases the initial personalized insurance rate where theoverall driving behavior rating is less than or equal to the penaltythreshold. In this example, the insurance underwriting system maymaintain the initial personalize insurance rate (block 908) where theoverall driving behavior rating does not cross either the rewardthreshold or the penalty threshold.

If the overall driving behavior rating crosses either the rewardthreshold or the penalty threshold, the insurance underwriting systemmay determine to adjust the initial personalized insurance rate (block906). If safe driving behaviors are observed (block 910), e.g., if theoverall driving behavior rating is greater than or equal to the rewardthreshold, then the insurance underwriting system may determine anadjusted personalized insurance rating by decreasing the initialpersonalized insurance rate (block 912). As noted above, the insuranceunderwriting system may also identify safe driving behaviors thatcontributed to the decrease of the initial personalized insurance rate(block 914). If unsafe driving behaviors are observed (block 910), e.g.,if the overall driving behavior rating is less than or equal to apenalty threshold, then the insurance underwriting system may determinean adjusted personalized insurance rating by increasing the initialpersonalized insurance rate (block 916). The insurance underwritingsystem may similarly identify unsafe driving behaviors that contributedto the increase of the initial personalized insurance rate (block 918).The insurance underwriting system may provide a driving behavior summaryto the remote starter application for presentation to the driver at theconclusion of the trip (block 920). The driving behavior summary mayindicate the final personalized insurance rate (e.g., the initial oradjusted personalized insurance rate) as well as a list of drivingbehaviors that may have contributed to the determination of whether toadjust the initial insurance rate and driving behaviors that may havecontributed to an adjustment of the initial insurance rate.

Referring to FIGS. 10A-D, example implementations of respective userinterfaces 1000 a-d of a remote starter application 1002 are shown. InFIG. 10A, an example of a display interface 1000 a of the remote starterapplication 1002 is shown. In FIG. 10A, the display interface 1000 aincludes a button 1004 to request PAYD insurance coverage from aninsurance provider. When the user selects the button 1004, the remotestarter application 1002 may transmit a request for a PAYD insurancequote to an insurance underwriting system via the mobile device. Theremote starter application 1002 may also be configured to prompt theuser for information regarding the type or amount of insurance coveragedesired and includes this information in the request. As discussedabove, the insurance underwriting system may determine an initialpersonalized insurance rate for the user and provide the initialpersonalized insurance rate to the remote starter application forpresentation to the user. As seen in FIG. 10A, the PAYD insurance quote1006 may identify the personalized insurance rate along with, e.g., theamount of coverage offered for the trip. The display interface mayinclude buttons 1008 and 1010 allowing the user to accept or reject thePAYD insurance quote at the initial personalized insurance rate.

Referring to FIG. 10B, an example of an implementation of a displayinterface 1000 b of the remote starter application 1002 displaying adriving behavior summary 1012 is shown. The remote starter application1002 may display the driving behavior summary 1012 at the conclusion ofa trip and indicate one or more driving behaviors 1014 of the driverduring the trip. In this example, the list of driving behaviors 1014includes both relatively safe and unsafe driving behaviors. Accordingly,the insurance underwriting system determined not to adjust the initialpersonalized insurance rate in this example.

In FIG. 10C, an example of an implementation of a display interface 1000c of the remote starter application 1002 where safe driving behaviorsresult in a decrease in the initial personalized insurance rate isshown. As seen in FIG. 10C, the driving summary 1016 indicates safedriving behaviors 1018 during the trip thereby resulting in a loweradjusted personalized insurance rate 1020. In FIG. 10D, an example of animplementation of a display interface 1000 d of the remote starterapplication 1002 where unsafe driving behaviors result in an increase inthe initial personalized insurance rate is shown. As seen in FIG. 10D,the driving summary 1022 indicates unsafe driving behaviors 1024 duringthe trip thereby resulting in a higher adjusted personalized insurancerate 1026. By basing driver insurance rates, at least in part, ondriving behavior, safe driving behavior is thereby encouraged.

While the disclosure has been described with respect to specificexamples including presently illustrative modes of carrying out thedisclosure, a person having ordinary skill in the art, after review ofthe entirety disclosed herein, will appreciate that there are numerousvariations and permutations of the above-described systems andtechniques that fall within the spirit and scope of the disclosure. Forexample, the vehicle telematics device (rather than the insuranceunderwriting system) may monitor and analyze the driving behaviorsduring a trip and transmit a driving analysis to the insuranceunderwriting system such that the insurance underwriting systemdetermines whether and how much to adjust a personalized insurance ratebased on the driving analysis provided by the vehicle telematics device(rather than vehicle telematics data provided by the vehicle telematicsdevice).

What is claimed is:
 1. A non-transitory computer-readable medium havinginstructions stored thereon that, when executed by a processor of amobile computing device, cause the mobile computing device to: transmit,to a remote starter device connected to an ignition system of a vehicle,a request to initiate ignition of the vehicle, where receipt of therequest causes the remote starter device to initiate ignition of thevehicle; receive, from the remote starter device upon ignition of thevehicle, an ignition confirmation message; determine, responsive toreceipt of the ignition confirmation message, that a user of the mobilecomputing device is a driver of the vehicle; and transmit, to aninsurance underwriting system in response to the receipt of the ignitionconfirmation message, an ignition notification message comprising dataidentifying the driver, where receipt of the ignition notificationmessage by the insurance underwriting system causes the insuranceunderwriting system to create an ignition record; wherein the insuranceunderwriting system determines a personalized insurance rate for thedriver based, at least in part, on vehicle telematics data collected bythe insurance underwriting system during operation of the vehicle afterthe ignition of the vehicle, where the vehicle telematics datacharacterizes the operation of the vehicle by the driver.
 2. Thenon-transitory computer-readable medium of claim 1, wherein theinstructions, when executed by the processor of the mobile computingdevice, further cause the mobile computing device to: receive, from theinsurance underwriting system, the personalized insurance rate; andpresent, at a display device of the mobile computing device, thepersonalized insurance rate.
 3. The non-transitory computer-readablemedium of claim 2, wherein the instructions, when executed by theprocessor of the mobile computing device, further cause the mobilecomputing device to: receive, at a user interface of the mobilecomputing device, input from the user requesting insurance coverage; andtransmit, to the insurance underwriting system, a request for insurancecoverage, where receipt of the request for insurance coverage causes theinsurance underwriting system to transmit, to the mobile computingdevice, the personalized insurance rate, where receipt of thepersonalized insurance rate by the mobile computing device causespresentation of the personalized insurance rate at the display device ofthe mobile computing device.
 4. The non-transitory computer-readablemedium of claim 3, wherein the instructions, when executed by theprocessor of the mobile computing device, further cause the mobilecomputing device to: prompt the user to accept or reject the insurancecoverage at the personalized insurance rate; receive, at the userinterface of the mobile computing device, input from the userrepresenting acceptance or rejection of the insurance coverage; andtransmit, to the insurance underwriting system, a message indicatingwhether the user has accepted or rejected the insurance coverage.
 5. Thenon-transitory computer-readable medium of claim 2, wherein: thepersonalized insurance rate is based on vehicle telematics datacollected by the insurance underwriting system during a plurality oftrips taken by the driver.
 6. The non-transitory computer-readablemedium of claim 2, wherein the instructions, when executed by theprocessor of the mobile computing device, further cause the mobilecomputing device to: receive, from the insurance underwriting system, anadjusted personalized insurance rate that is either higher or lower thanthe personalized insurance rate, where the adjusted personalizedinsurance rate determined by the insurance underwriting system is basedon at least one driving behavior identified by the insuranceunderwriting system from the vehicle telematics data collected by theinsurance underwriting system during operation of the vehicle; andpresent, at the display device of the mobile computing device, theadjusted personalized insurance rate.
 7. The non-transitorycomputer-readable medium of claim 6, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: present, at the display device of themobile computing device, a driving behavior summary comprisinginformation indicating the at least one driving behavior on which theadjusted personalized insurance rate is based.
 8. The non-transitorycomputer-readable medium of claim 7, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: present, in the driving behaviorsummary, information indicating whether the at least one drivingbehavior caused the adjusted personalized insurance rate to be higher orlower than the personalized insurance rate.
 9. The non-transitorycomputer-readable medium of claim 6, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: present, at the display device of themobile computing device, an amount by which the personalized insurancerate was adjusted.
 10. The non-transitory computer-readable medium ofclaim 1, wherein the instructions, when executed by the processor of themobile computing device, further cause the mobile computing device to:prevent receipt of user input requesting transmission of the request toinitiate ignition of the vehicle until the user provides, at a userinterface of the mobile computing device, user input representing one ofa password or a unique identifier.
 11. The non-transitorycomputer-readable medium of claim 1, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: transmit, to the remote starter device,an ignition inquiry request; and receive, from the remote starter devicein response to receipt of the ignition inquiry request, an ignitionstatus message indicating whether the vehicle is running or shut off.12. The non-transitory computer-readable medium of claim 11, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: automatically transmit the ignitioninquiry request at a periodic interval.
 13. The non-transitorycomputer-readable medium of claim 11, when executed by the processor ofthe mobile computing device, further cause the mobile computing deviceto: transmit the ignition inquiry request in response to receipt, at auser interface of the mobile computing device, of user input requestingan ignition status of the vehicle.
 14. The non-transitorycomputer-readable medium of claim 1, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: receive, from the remote starter deviceupon shutoff of the vehicle, a shutoff confirmation message; andtransmit, to the insurance underwriting system, a shutoff notificationmessage, where receipt of the shutoff notification message by theinsurance underwriting system causes the insurance underwriting systemto update the ignition record.
 15. The non-transitory computer-readablemedium of claim 14, wherein: the shutoff notification message comprisesa date and a time.
 16. The non-transitory computer-readable medium ofclaim 14, wherein: the shutoff notification message comprises dataidentifying a geographic location of the vehicle.
 17. The non-transitorycomputer-readable medium of claim 14, wherein: each of the ignitionnotification message and the shutoff notification message comprises dataidentifying the vehicle.
 18. The non-transitory computer-readable mediumof claim 1, wherein: the ignition notification message comprises a dateand a time.
 19. The non-transitory computer-readable medium of claim 1,wherein: the ignition notification message comprises data identifying ageographic location of the vehicle.
 20. The non-transitorycomputer-readable medium of claim 1, wherein the instructions, whenexecuted by the processor of the mobile computing device, further causethe mobile computing device to: perform a handshaking process with theremote starter device in order to establish a connection between themobile computing device and the remote starter device.